Unoccupied Property Insurance
Unoccupied Property Insurance: Specialist Cover for Vacant Buildings
An unoccupied property faces higher risks than an occupied one. Whether it’s awaiting sale, renovation, probate, or new tenants, vacant properties are more vulnerable to theft, vandalism, weather damage, and squatters. Standard home or landlord insurance may not provide cover if a property is left empty for extended periods, making Unoccupied Property Insurance essential.
ABA Insurance provides specialist Unoccupied Property Insurance, offering tailored protection for residential landlords, property investors, commercial building owners, and homeowners with vacant properties. Our policies ensure financial security and peace of mind while your property is empty.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Unoccupied Property Insurance?
Unoccupied Property Insurance is a specialist policy designed to protect vacant residential and commercial properties from financial losses due to fire, theft, vandalism, flooding, and liability claims.
This insurance is essential for:
- Landlords with empty properties between tenants
- Homeowners awaiting sale or probate
- Property investors renovating or refurbishing buildings
- Commercial property owners with vacant premises
- Second-home owners who do not occupy the property full-time
Without the right cover, an empty property could suffer major damage without financial protection, leading to expensive repairs and lost investment value.
Why Do You Need Unoccupied Property Insurance?
Protection Against Vandalism and Theft
Vacant buildings attract criminals, squatters, and vandals. This policy covers repair costs, stolen fixtures, and forced entry damage.
Cover for Fire, Flood, and Storm Damage
An unoccupied property is more vulnerable to unnoticed leaks, electrical faults, and storm damage. This insurance ensures repairs and restoration costs are covered.
Liability Cover for Injuries on Your Property
If someone trespasses and gets injured or a structural issue causes damage to neighbouring properties, you could be held responsible. Public liability insurance covers legal and compensation costs.
Compliance with Mortgage and Legal Requirements
Many mortgage lenders require specialist insurance for vacant properties. This policy ensures compliance with financial and legal obligations.
Short-Term or Long-Term Cover Options
Whether your property is empty for a few months or over a year, we offer flexible cover durations to suit your needs.
What Does Unoccupied Property Insurance Cover?
- Public liability insurance for injury or property damage claims
- Legal expenses cover for court fees and legal representation
- Compensation payouts for third-party injuries and damages
- Accidental damage cover for incidents caused by building defects
- Tenant injury claims protection due to poor maintenance or hazards
- Cover for commercial and residential properties
Get The Right Business Insurance
How We Get You The Right Property Owners Liability Insurance Cover First Time Round
Concerned About Break-Ins and Squatters?
Empty properties are prime targets for criminals. Our insurance covers repairs, legal fees, and stolen fixtures caused by squatters or vandals.
Worried About Unnoticed Damage?
Leaks, electrical faults, and storm damage can worsen over time if left unattended. Our policy ensures fast claims processing and financial protection.
Need Short-Term Cover While Selling or Renovating?
Many insurers won’t cover properties that are vacant for over 30 days. Our flexible policies allow you to choose the coverage duration that suits you.
Looking for Affordable, Customisable Cover?
We provide tailored policies for residential and commercial empty properties, ensuring cost-effective and comprehensive protection.
Need a Fast and Hassle-Free Claims Process?
Our dedicated claims team ensures quick settlements so that you can focus on reoccupying or selling your property.
How Much Does Unoccupied Property Insurance Cost?
The cost of Unoccupied Property Insurance depends on:
- The type and location of the property
- The length of time it will be unoccupied
- The security measures in place (e.g., alarms, CCTV, keyholder services)
- The level of cover required for buildings and contents
- Previous claims history and overall risk assessment
ABA Insurance provides customised policies at competitive rates, ensuring property owners get the best protection at the right price.
Why Choose ABA Insurance for Unoccupied Property Insurance?
- Industry expertise with specialist cover for vacant properties
- Flexible policies designed for short-term and long-term vacancies
- Competitive pricing with cost-effective insurance solutions
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Unoccupied Property Insurance Today
Ensure your vacant residential or commercial property is fully protected with Unoccupied Property Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.